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Finance your purchases or payments


of more than €60 over a term of up to 36 months

Purchase and payment don't always go hand in hand.

Aplaza tus compras

What is Finance your Purchases?

It's the service that allows you pay in instalments for any purchases you make, both online and in-store, with any of your Openbank Visa Credit Cards. You can set it up on the Openbank website or App!

When can you use the service?

You can finance any purchases of €60 or more that you make with any of your Openbank VISA Credit Cards.

How do you do it?

It's simple! From the Customer Area of the website or on the Openbank App:

1. Draw your forefinger! Choose one of your credit cards.

2. Signal your opponent! Select the purchases worth €60 or more that you want to finance.

3. Divide and conquer! Choose the payment term that suits you, from 2 to 36 months.

4. Expense KO'd! Click on “Finance purchase”.

And you're ready to go! You can finance as many purchases as you like.
 

Defer your purchases in just two clicks

Which cards can you use to finance purchases?

Open Credit Card

Financed purchases are subject to a monthly nominal interest rate of 1.17% (14.00% annual NIR, 14.93% APR)1.

Find out more >

Premium Credit Card

Financed purchases are subject to a monthly nominal interest rate of 0.79% (9.57% annual NIR, 10.00% APR)2.

Find out more >

Diamond Credit Card

Financed purchases are subject to a monthly nominal interest rate of 0.79% (9.57% annual NIR, 10.00% APR)2.

Find out more >

Tres packs de tarjetas con beneficios a tu medida


Plus… you can also finance the rest of your payments!

If you have an Openbank Credit Card, you can also finance payments of more than €60associated with your current account, such as transfers, bills or debit card payments:

  1. Go to the transactions of your current account.
  2. Select the payment of more than €60 that you want to finance and click on “Finance payment”.
  3. Choose the payment term that best suits you, from 2 to 36 months.

1  Bear in mind that you can finance any payments that do not exceed the available balance of your credit card.